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First Bancorp FBNC SBA loan sale gains

Discontinued — last reported Q2 '26

SBA loan sale gains at other companies

HOM
Home BancSharesHOMB
$80K-72.2%
Northwest Bancshares logo
Northwest BancsharesNWBI
$1.19M-4.2%
Enterprise Financial Services logo
Enterprise Financial ServicesEFSC
$1.41M-25.4%
MetroCity Bankshares logo
MetroCity BanksharesMCBS
$1.54M+139%
Hope Bancorp logo
Hope BancorpHOPE
$3.27M+4.3%
Peapack-Gladstone Financial logo
Peapack-Gladstone FinancialPGC
$403K+33.4%

Other financials

Income statement

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Revenue$127.3M+14.7%
Net income$50.5M+31.0%
EPS (diluted)$1.22+31.2%

Balance sheet

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Cash & equivalents$550.3M-22.6%
Total debt$89.2M-16.1%
Total equity$1.7B+10.3%
Total assets$13.0B+3.4%

Cash flow

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Operating cash flow$61.2M+16.4%
CapEx$1.9M+673%
Free cash flow$59.3M+13.3%

Valuation

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Market cap$2.66B+25.5%
P/E19.9×-1.8×
P/S6.3×+0.7×

Profitability

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Net margin31.5%+5.9pp
FCF margin50.6%-17.1pp

Returns & leverage

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Return on equity8.1%+1.6pp
Debt / equity0.1×0.0×

Where this comes from

Reported directly by First Bancorp in its filing.

Tagged under the XBRL concept fbnc:SBALoanSaleGains.

The official record: First Bancorp’s 8-K, filed July 22, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is First Bancorp's SBA loan sale gains?
First Bancorp (FBNC) reported SBA loan sale gains of $529K in Q2 2026.
How has First Bancorp's SBA loan sale gains changed year-over-year?
First Bancorp's SBA loan sale gains increased by 250.3% year-over-year, from $151K to $529K.
What is the long-term trend for First Bancorp's SBA loan sale gains?
Over 4 years (2021 to 2025), First Bancorp's SBA loan sale gains has grown at a -38.2% compound annual growth rate (CAGR), from $7.33M to $1.07M.
What does SBA loan sale gains mean?
This metric represents the realized gains from the sale of Small Business Administration (SBA) guaranteed loan portions in the secondary market. It reflects the bank's ability to generate non-interest income by originating and packaging government-guaranteed loans for institutional investors. Higher levels indicate successful execution of a fee-based lending strategy that preserves balance sheet capacity.